You can open a Regular Savings Certificate with a minimum balance of $5,000. Certificates are available with terms of 6 months to 12 months. A minimum average daily balance of $5,000 also is required to obtain Annual Percentage Yield and to avoid fees on your account.

Features of our Savings Certificates include:

• A fixed dividend for the term of the certificate.
• Competitive dividend rates.
• Access through TellerLine, our 24-hour telephone teller system, and Online Banking, our Internet account access system.